Credit

For most people, using credit is an essential part of daily life. You might already use credit — through credit cards or a loan — without knowing exactly how it works. While it's easy to do that, you'll want to learn as much as you can regarding this important subject.

Credit, or the ability to borrow money, can be a powerful tool in reaching your financial goals. Or, it can be a hidden enemy for those who do not have a spending plan or do not develop and maintain responsible credit management behaviours and skills.